{"uin":"UNIHLIP08002V020708","name":"Aapat Suraksha Bima Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-09-30","withdrawn_on":null,"summary":"Aapat Suraksha Bima Policy pays a lump sum for five listed critical illnesses and for accidental death or permanent total disablement. Critical illness sum insured options are Rs 25,000/-, Rs 50,000/- and Rs. 1, 00,000/-, with personal accident capital sum insured double that amount.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:49:00.701038+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe cover sections and sum insured options, but no named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The term of the policy is 12 months from the date of commencement of policy.","display":"12 months from date of commencement of policy","note":null,"quote":"Policy term: the term of the Policy shall be 12 months from date of commencement of policy","sources":[{"clause":null,"heading":"Exclusions specific to Personal Accident","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17886#c-exclusions-specific-to-personal-accident"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You must give notice to the call centre immediately and intimate the policy issuing office in writing not later than 7 days from the date of diagnosis or accident.","display":"Immediately; written intimation not later than 7 days from diagnosis/accident","note":"The claim form and documents must be submitted within 30 days from the date of diagnosis/accident.","quote":"Upon happening of any disease/diagnosis/ accident which may give rise to a claim under this policy You shall give us a notice to our call centre immediately and also intimate in writing to our policy issuing office but not later than 7 days from the date of diagnosis/accident.","sources":[{"clause":"1","heading":"Claim Procedure","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-1-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["duly filled in claim form","Policy Copy","Post Mortem Report (certified copies) - as applicable","F.I.R. or Death report or Inquest Panchnama","Spot Panchnama (certified copies)- if applicable","Death certificate (in original or certified copy)","Disability certificate - Authorized Medical Practitioner of the district/ units concerned, (certificate) stating percentage of disablement","F.I.R. and Panchnama wherever applicable","Medical report/ Investigation reports like laboratory test, X-rays and reports essential of confirmation of the type and percentage of disability","Original medical bills","Original Bills","All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries.","A precise diagnosis of the treatment for which a claim is made.","A detailed list of the individual medical services and treatments provided and a unit price for each."],"display":"Duly filled claim form and listed documents for death, permanent total disablement and critical illnesses/surgical procedures","note":null,"quote":"Further the duly filled in claim form with the below mentioned claim documents must be submitted within 30 days from the date of diagnosis/accident. ... • Policy Copy\n• Post Mortem Report (certified copies) - as applicable ... • F.I.R. or Death report or Inquest Panchnama (in original or certified copies)- • Spot Panchnama (certified copies)- if applicable\n• Death certificate (in original or certified copy) ... • Disability certificate - Authorized Medical Practitioner of the district/ units concerned, (certificate) stating percentage of disablement\n• F.I.R. and Panchnama wherever applicable (original or certified copies)\n• Medical report/ Investigation reports like laboratory test, X-rays and reports essential of confirmation of the type and percentage of disability\n• Original medical bills ... • Original Bills (including but not limited to pharmacy purchase bill, consultation bill, diagnostic bill and any attachments thereto like receipts or prescriptions in support of any amount claimed)\n• All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries.\n• A precise diagnosis of the treatment for which a claim is made.\n• A detailed list of the individual medical services and treatments provided and a unit price for each.","sources":[{"clause":"1","heading":"Claim Procedure","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-1-2"},{"clause":null,"heading":"In case of Death","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-in-case-of-death"},{"clause":null,"heading":"UIN- UNIHLIP08002V020708 Page 11 of","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-uin-unihlip08002v020708-page-11-of"},{"clause":null,"heading":"In case of Permanent Total Disablement","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-in-case-of-permanent-total-disablement"},{"clause":null,"heading":"In case of Critical Illnesses/ Surgical Procedures","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-in-case-of-critical-illnesses-surgical-procedure"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The insurer shall settle a claim, including rejection, within thirty days of receiving the last necessary claim document. Admissible claims are to be paid within 7 working days from acceptance, with interest at 2% above bank rate for delayed payment.","display":"Settle within thirty days of last necessary claim document; pay admissible claims within 7 working days from acceptance","note":null,"quote":"We shall settle claim(s), including its rejection, within thirty days of the receipt of the last necessary claim document ... All admissible claims under this Policy shall be paid by Us within 7 working days from date of acceptance of such a claim. In case of delay in the payment, We shall be liable to pay interest at a rate which is 2% above bank rate prevalent at the beginning of the financial year in which claim is reviewed by Us.","sources":[{"clause":null,"heading":"Our obligations","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-our-obligations"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months","A waiting period of 90 days will apply to any claim under this section","Death within 30 days following the diagnosis of the Critical Illness","Dry addiction, alcoholism, smoking of more than 30 cigarettes/cigars or equivalent intake of tobacco in a day","Any Insured person suffering from Human T.Cell Lymphotropic Virus Type III (HTLV-III) or Lymphadinopathy Associated Viruses (LAV)","Ionizing Radiation or contamination by radioactivity","War, Invasion, Act of foreign enemy, Hostilities, Civil war, Rebellion, Revolution, Insurrection, Mutiny","Committing or attempting suicide, intentional self-injury","Whilst under influence of intoxicating liquor","Drug addiction or alcoholism","Whilst engaged in any adventurous sports","Committing any breach of law with criminal intent"],"display":"PED 48 months; 90-day critical illness waiting period; death within 30 days of CI diagnosis; addiction/alcoholism/smoking; HTLV-III/LAV; nuclear radiation; war; suicide/self-injury, intoxication, drug addiction/alcoholism, adventurous sports and criminal breach of law for accident benefits","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us. ... A waiting period of 90 days will apply to any claim under this section unless: ... Death within 30 days following the diagnosis of the Critical Illness\n3. Any critical Illness which arises or is caused by any one of the following:\na) Dry addiction, alcoholism, smoking of more than 30 cigarettes/cigars or equivalent intake of tobacco in a day and any complication, consequences arising there from.\nb) Any Insured person suffering from Human T.Cell Lymphotropic Virus Type III (HTLV-III) or Lymphadinopathy Associated Viruses (LAV) or the Mutant derivatives or Variations Deficiency Syndrome. ... a) Ionizing Radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel or nuclear weapon materials.\nb) War, Invasion, Act of foreign enemy, Hostilities, Civil war, Rebellion, Revolution, Insurrection, Mutiny, Military or usurped Power, Seizure, Capture, Arrest, Restraints and Detainments of all kinds, Princes of whatever nation conditions or quality so ever. ... a) Committing or attempting suicide, intentional self-injury.\nb) Whilst under influence of intoxicating liquor.\nc) Drug addiction or alcoholism.\nd) Whilst engaged in any adventurous sports.\ne) Committing any breach of law with criminal intent.","sources":[{"clause":"E.1(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-i"},{"clause":null,"heading":"1. 90 days waiting period","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-1-90-days-waiting-period"},{"clause":"E.1(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-iii-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website/e-mail, toll-free or chargeable numbers, or the grievance cell at any company branch. If not satisfied, contact the grievance officer at grievance@universalsompo.com before approaching the Insurance Ombudsman.","display":"Company website/contact numbers or branch grievance cell, then grievance officer at grievance@universalsompo.com, then Insurance Ombudsman","note":null,"quote":"ln case of any grievance the insured person may contact the company through website o contactus@universalsompo.com.\nToll Free Numbers: 1-800-224030 (For MTNL / BSNL Users) or 1-800–2004030 or on chargeable numbers at +91-22-41659800/+91-22-41659900. E-mail: contactus@universalsompo.com\nInsured person may also approach the grievance cell at any of the company’s branches with the details of grievance\nIf Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@universalsompo.com ... If the issue still remains unresolved, You may, subject to vested jurisdiction, approach Insurance Ombudsman for the redressal of Your grievance.","sources":[{"clause":"7","heading":"Redressal of Grievances ln case of any grievance the insured person may","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-7"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"For the Critical Illness Section, the sum insured options are Rs 25,000/-, Rs 50,000/- and Rs. 1, 00,000/-. The Capital Sum Insured under Personal Accident is double the amount chosen under the Critical Illness Section.","display":"Critical Illness: Rs 25,000/-, Rs 50,000/- and Rs. 1, 00,000/-; Personal Accident CSI is double","note":null,"quote":"For Critical Illness Section, the Policy is designed for Sum Insured of Rs 25,000/- , Rs 50,000/- & Rs. 1, 00,000/-. The Capital Sum Insured under Personal Accident (Death and Total Permanent Disablement only) shall be double the amount chosen under Critical Illness Section.","sources":[{"clause":"9","heading":"Sum Insured Options","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17886#c-9"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"Applies to the critical illness section. Exceptions include continuous cover in the previous policy year, or at least 1 year under another similar Indian critical illness policy; increases in sum insured are subject to the waiting period for the increased amount.","quote":"A waiting period of 90 days will apply to any claim under this section unless: ... You have been insured under this Policy continuously and without any break in the previous Policy Year, or ii. You were insured continuously and without interruption for at least 1 year under any other Indian insurer’s similar health insurance Policy for covering critical illness risks","sources":[{"clause":null,"heading":"1. 90 days waiting period","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-1-90-days-waiting-period"},{"clause":"E.1(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-i-2"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"The documents state a 90-day waiting period for any claim under the critical illness section, but do not list named illnesses or procedures with a separate specific waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No named illnesses or procedures are stated as carrying a separate specific waiting period.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability is defined as transfer of credit for pre-existing conditions and time-bound exclusions when switching from one insurer to another. To exercise the portability benefit, the insurer should receive the application with complete documentation at least 45 days before expiry, and the benefit is available only at renewal, subject to medical underwriting.","display":"Available; apply at least 45 days before expiry and only at renewal","note":null,"quote":"Portability means transfer by an individual health insurance Policy Holder (including family cover) of the credit gained for pre-existing conditions and time-bound exclusions if he/she chooses to switch from one insurer to another. ... If You wish to exercise the Portability Benefit, We should have received Your application with complete documentation at least 45 days before the expiry of Your present period of insurance; ... This benefit is available only at the time of renewal of the existing similar health insurance policy. ... Your proposal shall be subject to Our medical underwriting","sources":[{"clause":null,"heading":"Portability","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-portability"},{"clause":"11(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-11-a"},{"clause":"11(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-11-b"},{"clause":"11(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-11-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":false,"display":"No, renewable till 65 years of age","note":null,"quote":"Your Policy shall ordinarily be renewable till 65 years of age except on grounds of fraud, moral hazard or misrepresentation or non‐cooperation by You/ any of the Insured Persons","sources":[{"clause":"9(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-9-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"For group policies, the policy has High Claim Ratio Loading (Malus): 25% for incurred claims ratio between 80% and 100%, 55% for 101% to 125%, 90% for 126% to 150%, 120% for 151% to 175%, 150% for 176% to 200%, and cover to be reviewed over 200%.","display":"Group policies: High Claim Ratio Loading (Malus) from 25% to 150%; over 200% cover reviewed","note":"Applicable only under group policies.","quote":"Loading/ Discounting under the Policy (Applicable only under group policies) ... High Claim Ratio Loading (Malus):- We will apply loading as mentioned below when the claims experience of the group is as per below\nIncurred Claims Ratio under the Policy | Loading %\nBetween 80% and 100% | 25\nBetween 101% and 125% | 55\nBetween 126% and 150% | 90\nBetween 151% and 175% | 120\nBetween 176% and 200% | 150\nOver 200% | Cover to be reviewed","sources":[{"clause":null,"heading":"4. Loading/ Discounting under the Policy (Applicable only under group policies)","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-4-loading-discounting-under-the-policy-applicabl"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Death within 30 days following the diagnosis of the Critical Illness","Dry addiction, alcoholism, smoking of more than 30 cigarettes/cigars or equivalent intake of tobacco in a day","Any Insured person suffering from Human T.Cell Lymphotropic Virus Type III (HTLV-III) or Lymphadinopathy Associated Viruses (LAV)","Ionizing Radiation or contamination by radioactivity","War, Invasion, Act of foreign enemy, Hostilities, Civil war, Rebellion, Revolution, Insurrection, Mutiny","Transient ischemic attacks (TIA)","Traumatic injury of the brain","Vascular disease affecting only the eye or optic nerve or vestibular functions","Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or non invasive","Any skin cancer other than invasive malignant melanoma","Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T","Other acute Coronary Syndromes","Any type of angina pectoris","Committing or attempting suicide, intentional self-injury","Whilst engaged in any adventurous sports"],"display":"Includes CI exclusions for death within 30 days of diagnosis, addiction/alcoholism/smoking, HTLV-III/LAV, nuclear radiation, war, listed non-covered CI conditions, and PA exclusions such as suicide/self-injury and adventurous sports","note":"The policy wording does not use current standard exclusion codes Excl04 to Excl18 for these permanent exclusions.","quote":"Death within 30 days following the diagnosis of the Critical Illness ... Dry addiction, alcoholism, smoking of more than 30 cigarettes/cigars or equivalent intake of tobacco in a day and any complication, consequences arising there from. ... Any Insured person suffering from Human T.Cell Lymphotropic Virus Type III (HTLV-III) or Lymphadinopathy Associated Viruses (LAV) or the Mutant derivatives or Variations Deficiency Syndrome. ... Ionizing Radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel or nuclear weapon materials. ... War, Invasion, Act of foreign enemy, Hostilities, Civil war, Rebellion, Revolution, Insurrection, Mutiny, Military or usurped Power ... Transient ischemic attacks (TIA) ... Traumatic injury of the brain ... Vascular disease affecting only the eye or optic nerve or vestibular functions. iv. Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or non invasive ... Any skin cancer other than invasive malignant melanoma ... Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T\nxi. Other acute Coronary Syndromes\nxii. Any type of angina pectoris. ... Committing or attempting suicide, intentional self-injury. ... Whilst engaged in any adventurous sports.","sources":[{"clause":"E.1(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-iii-2"},{"clause":"E.1(IV)(g)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-iv-g-i"},{"clause":"E.1(IV)(g)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-iv-g-ii"},{"clause":"E.1(IV)(g)(iii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-iv-g-iii"},{"clause":null,"heading":"UIN- UNIHLIP08002V020708 Page 10 of","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-uin-unihlip08002v020708-page-10-of"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 15 days'written notice. If no claim has been admitted, lodged or benefit availed, the company refunds premium for the unexpired period using the table: up to 1 month risk expired charge 25% of annual premium, up to 3 months 50%, up to 6 months 75%, and above 6 months 100%.","display":"Cancel with 15 days'written notice; refund table charges 25% up to 1 month, 50% up to 3 months, 75% up to 6 months, 100% above 6 months","note":null,"quote":"The policyholder may cancel this policy by giving 15 days'written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below\nPeriod of risk expired | Rate of premium to be charged\nUpto 1 month | 25% of annual premium\nUpto 3 months | 50% of annual premium\nUpto 6 months | 75% of annual premium\nAbove 6 months | 100% of annual premium\nNotwithstanding anything contained herein or otheruise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"4","heading":"Cancellation","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-4-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical scope is India and claims are payable in Indian currency, except that accidental claims are on a worldwide basis.","display":"India; accidental claims worldwide","note":null,"quote":"The geographical scope of this Policy will be India and all claims shall be payable in Indian currency except for Accidental claims for which the scope of the Policy shall be on worldwide basis.","sources":[{"clause":"15","heading":"Geographical Limit","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-15"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days from date of receipt of the policy document","note":"Applies to new individual health insurance policies, not renewals or porting/migration.","quote":"The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy. The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"5","heading":"Free Look Period","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-5-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"up to 30 days from the due date of Renewal","note":null,"quote":"We shall provide for a mechanism to condone a delay in Renewal up to 30 days from the due date of Renewal without deeming such condonation as a Break in Policy. However coverage shall not be available for such period.","sources":[{"clause":"9(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-9-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age for the proposer is 18 years. Maximum entry age for adults is 65 years, and a dependent child can enter at 5 years and be covered till 25 years of age.","display":"Proposer 18 years; adults up to 65 years; dependent child 5 years to 25 years","note":"Stated in the prospectus; the policy wording does not state entry ages.","quote":"Entry age for you (the proposer) is 18 years ➢ Maximum entry age for adults is 65 years ➢ Entry age for the dependent child is 5 years and can be covered till 25 years of age under the Policy","sources":[{"clause":null,"heading":"AAPAT SURAKSHA BIMA POLICY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17886#c-aapat-suraksha-bima-policy"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single Premium","single installment"],"display":"Single Premium; payable in advance in a single installment","note":null,"quote":"Type of Policy | Single Premium ... All premiums under the Policy shall be payable in advance in a single installment","sources":[{"clause":"A(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-a-b"},{"clause":"10","heading":"Premium Table AAPAT SURAKSHA- PREMIUM TABLE - (ANNUAL PREMIUM)**","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17886#c-10"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":"No optional covers or add-ons are stated in the documents.","quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the period for which renewal premium has not been received.","display":"Coverage shall not be available for such period","note":null,"quote":"We shall provide for a mechanism to condone a delay in Renewal up to 30 days from the due date of Renewal without deeming such condonation as a Break in Policy. However coverage shall not be available for such period.","sources":[{"clause":"9(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-9-c"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"quote-verified","value":{"unit":"months","amount":48},"display":"48 months","note":"For enhanced sum insured, the exclusion applies afresh to the increased amount. Portability credit reduces the waiting period to the extent of prior coverage.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us. ... In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase. ... If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations then waiting period for the same would be reduced to the extent of prior coverage.","sources":[{"clause":"E.1(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-i"},{"clause":"E.1(II)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-ii"},{"clause":"E.1(III)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893#c-e-1-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"Aapat Suraksha Bima Policy - Policy Wording","pages":23,"fetched_at":"2026-10-17 20:18:30+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/aapat-suraksha-bima-policy/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17893"},{"kind":"wording","label":"Aapat Suraksha Bima Policy (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 02:24:12+00","source_url":"https://irdai.gov.in/documents/37343/931203/Aapat+Suraksha+Bima+Policy_2013-2014.pdf/1613e98c-a3b7-37ab-1770-71bdcf2e3a8b?version=1.1&t=1668247899817&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/28234"},{"kind":"prospectus","label":"Aapat Suraksha Bima Policy - Prospectus/Sales Literature","pages":8,"fetched_at":"2026-10-17 20:18:23+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/aapat-suraksha-bima-policy/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/17886"},{"kind":"premium","label":"Aapat Suraksha Bima Policy - Ratechart","pages":null,"fetched_at":"2026-10-17 20:05:00+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/aapat-suraksha-bima-policy/rate-chart.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708/document/31917"}],"versions":[{"uin":"IRDA/NL-HLT/USGI/P-H/V.I/27/13-14","version":null,"approved_on":null},{"uin":"UNIHLIP08002V020708","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Aapat Suraksha Bima Policy (UIN UNIHLIP08002V020708), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/aapat-suraksha-bima-policy-unihlip08002v020708"}